| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUTINA FINANCIAL, LLC3 Filed as: TRUTINA FINANCIAL LLC | STEVEN HERMAN 10811 MAIN STREET BELLEVUE, WA 98004 | REGENCE BLUESHIELD | $44K | — | $44K | 5.37% |
| TRUTINA FINANCIAL, LLC3 Filed as: TRUTINA FINANCIAL LLC | — | DELTA DENTAL OF WASHINGTON | $5K | — | $5K | 4.56% |
| TRUSTINA FINANCIAL LLC3 | 10811 MAIN STREET BELLEVUE, WA 98004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.04% |
| TRUTINA FINANCIAL, LLC3 | 10811 MAIN STREET BELLEVUE, WA 98004 | VISION SERVICE PLAN | $810 | — | $810 | 6.59% |
| NANCY LAPHAM3 Filed as: NANCY L WALDNER | 14243 SOUTHEAST ALLEN ROAD BELLEVUE, WA 98006 | AFLAC | $1K | $121 | $1K | 13.21% |
| ANDREA J PHANEUF3 | 4810 200TH STREET SOUTHWEST D304 LYNNWOOD, WA 98036 | AFLAC | $175 | $24 | $199 | 1.76% |
| DAVID E CIAMPOLI3 | 109 NORTH PLAZA COURT VAN BUREN, AR 72956 | AFLAC | $112 | $24 | $136 | 1.20% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 11811 NORTHEAST 1ST STREET SUITE A203 BELLEVUE, WA 98005 | AFLAC | $80 | $24 | $104 | 0.92% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY MOGER | 14716 SOUTHEAST 83RD PLACE NEWCASTLE, WA 98059 | AFLAC | $87 | — | $87 | 0.77% |
| HILARY K CAHILL3 | 25540 SOUTHEAST 274TH PLACE MAPLE VALLEY, WA 98038 | AFLAC | $80 | — | $80 | 0.71% |
| HEATHER L TOMSON3 | 63607 NORTHEAST 9TH STREET RENTON, WA 98056 | AFLAC | $71 | — | $71 | 0.63% |
| COTTER CONSULTING & BENEFITS INC3 | 13526 160TH AVENUE NORTHEAST REDMOND, WA 98052 | AFLAC | $50 | — | $50 | 0.44% |
| LISA R PETERS3 | 1932 EAST COLLEGE WAY SUITE B MOUNT VERNON, WA 98273 | AFLAC | $39 | — | $39 | 0.35% |
| BARRY E JONES3 | 6573 FORZA COURT LAS VEGAS, NV 89131 | AFLAC | $33 | — | $33 | 0.29% |
| DAVID E CIAMPOLI3 | 5905 ROCKPORT DRIVE OZARK, AR 72949 | AFLAC | $21 | — | $21 | 0.19% |
| PAUL B ROBEDEAU3 | 9523 BAY COURT CARMEL, CA 93923 | AFLAC | $19 | — | $19 | 0.17% |
| JANIS WEST3 | 210 DAWN CREST PLACE CAMANO ISLAND, WA 98282 | AFLAC | $15 | — | $15 | 0.13% |
| SCOTT W BLACKSHEAR3 | 3453 CATHRYN DRIVE COLUMBUS, GA 31906 | AFLAC | $3 | — | $3 | 0.03% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 14830 NORTHEAST 167TH STREET WOODINVILLE, WA 98072 | AFLAC | $1 | — | $1 | 0.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 148 | $813K |
| Dental | DELTA DENTAL OF WASHINGTON | 149 | $109K |
| Vision | VISION SERVICE PLAN | 152 | $12K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $27K |
| Short-term disability | AFLAC | 35 | $11K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $16K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.